East Penn Broadcasting Co. borrowed money from Hershey National Bank. The promissory note representing the loan was made payable “to the Hershey National Bank.” It also contained a provision authorizing confession of judgment against the borrower at any time. This provision allowed a judgment to be entered against East Penn without giving the defendant the opportunity to make a defense or to oppose the entry of such judgment. The note was signed with the typewritten name of the borrowing corporation and the handwritten signature of three individuals including the defendant, Frank. The loan was not paid. The bank sued Frank and the others on the note; they raised defenses under the UCC. Who is liable on the note? [Frank v Hershey National Bank, 306 A2d 207 (Md Ct Spec App)]